Financials / InsuranceUpdated 2026-05-10 22:07 UTC

PSX/AICL stock hub

PSX/AICL has a live ticker hub with the latest available market, valuation, profitability, growth, ownership, and risk indicators.

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Fair value midpoint

n/a

Fair value pending

Upside to midpoint

n/a

Based on latest report

Confidence

n/a

Data quality and model convergence

Market cap

28.9B

Pakistan Stock Exchange

Market data

Live price

Current market quote for this ticker.

Current price

PSX/AICL

In the news

Latest news · PSX/AICL

Recent company headlines from major financial publishers.

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Fetching the latest headlines.

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Fetching the latest headlines.

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Calendar

Next earnings

Upcoming earnings date and setup when available.

Upcoming

DateLoading

Window—

EPS estimate—

Revenue estimate—

Sector context

Where the current metrics sit

Percentiles come from the backend screener cohort cache for the ticker's country and sector.

Forward P/En/a

P25 5.8P50 6.5P75 7.2

Trailing P/E5.6

P25 5.4P50 6.5P75 9.8

ROE11.2

P25 6.2P50 14.9P75 20

ROIC9.6

P25 3.1P50 9.5P75 15.3

Benchmarks - 1M

S&P 500n/a

Nasdaq Compositen/a

Dow Jones Industrial Averagen/a

Russell 2000n/a

Indicator catalog

All PSX/AICL market and fundamental indicators

A searchable catalog of the available market, valuation, profitability, growth, balance-sheet, ownership, and analyst metrics for this ticker.

Available fields

219

Groups with data

Currency

PKR

Showing 219 of 219 available metrics for this ticker.

Profile and market data

Ticker identity, listing, currency, market cap, and source dates.

Metric	Value
Country	Pakistan
Country code	PK
Employees	3,006
Employees Change	266%
Employees Change Percent	9.71
Enterprise value	PKR 16.9B
Exchange	Pakistan Stock Exchange
Financial currency	PKR
First seen	2026-05-10
Industry	Insurance
Isin	PK0004901010
Last refreshed	2026-05-10
Market cap	PKR 28.9B
Price	PKR 82.68
Price currency	PKR
Rev Per Employee	33,596,039.25x
Sector	Financials
Sic	6331
Symbol	psx/AICL
Website	https://www.adamjeeinsurance.com

Valuation

Multiples, yields, enterprise-value ratios, and valuation checks.

Metric	Value
Earnings Yield	17.81%
EV Earnings	3.28x
EV/EBIT	1.95x
EV/EBITDA	1.84x
EV/FCF	5.43x
EV/Sales	0.17x
FCF yield	10.75%
P/B ratio	0.57x
P/E ratio	5.62x
P/S ratio	0.29x
PE Ratio10 Y	7.13x
PE Ratio3 Y	3.72x
PE Ratio5 Y	4.13x

Profitability

Margins, returns on capital, cash conversion, and quality metrics.

Metric	Value
EBIT Margin	8.57%
EBITDA Margin	8.96%
FCF margin	3.08%
Gross margin	17.67%
Gross Profit	PKR 17.8B
Net Income	PKR 5.2B
Net Income Growth	-1.96%
Net Income Growth Q	-28.6%
Net Income Growth3 Y	31.92%
Net Income Growth5 Y	15.04%
Pretax Margin	9.21%
Profit Margin	5.1%
Profit Per Employee	PKR 1.7M
ROA	2.2
Roa5y	2.04
ROCE	4.64
ROE	11.25
Roe5y	11.3
ROIC	9.61
Roic5y	10.07

Growth

Revenue, earnings, cash-flow, and forward growth indicators.

Metric	Value
Cagr10y	11.53%
Cagr15y	15.91%
Cagr1y	93.51%
Cagr20y	8.87%
Cagr3y	66.08%
Cagr5y	25.59%
Div CAGR10	2.92%
Div CAGR3	10.06%
Div CAGR5	9.86%
EPS Growth	-1.96
EPS Growth Q	-28.6
EPS Growth3 Y	31.92
EPS Growth5 Y	15.04
FCF Growth	-71.46%
FCF Growth3 Y	210.1%
FCF Growth5 Y	-15.7%
OCF Growth	-65.58%
OCF Growth10 Y	-4.16%
OCF Growth3 Y	131.94%
OCF Growth5 Y	-12.72%
Revenue Growth	6.86x
Revenue Growth Q	-6.58x
Revenue Growth3 Y	30.57x
Revenue Growth5 Y	20.27x

Financial strength

Debt, cash, solvency, accounting-quality, and balance-sheet signals.

Metric	Value
Asset Turnover	PKR 0.41
Assets	PKR 263.8B
Cash	PKR 153.4B
Debt	PKR 345M
Debt EBITDA	PKR 0.04
Debt Equity	PKR 0.01
Debt FCF	PKR 0.11
Equity	PKR 51.2B
Interest Coverage	589.5
Liabilities	PKR 212.7B
Net Cash	PKR 13.1B
Net Cash By Market Cap	PKR 45.18
Net Cash Growth	81.31%
Net Debt EBITDA	PKR -1.45
Net Debt Equity	PKR -0.26
Net Debt FCF	PKR -4.2
Tangible Book Value	PKR 49.9B
Tangible Book Value Per Share	PKR 142
WACC	7.82

Liquidity

Current-asset coverage and working-capital efficiency metrics.

Metric	Value
Current ratio	2.49
Net Working Capital	PKR 101.7B
Quick ratio	2.07
Working Capital	PKR 115.1B

Dividends and buybacks

Dividend yield, payout, buybacks, and shareholder-yield indicators.

Metric	Value
Dividend Growth	33.33%
Dividend Growth Years	1%
Dividend per share	PKR 4
Dividend Years	22
Dividend Yield	4.84%
Ex Div Date	2026-04-20
Last Dividend	PKR 2
Payout Frequency	Semi-Annual
Payout Ratio	24.77%

Performance and technicals

Returns, volatility, beta, momentum, RSI, and moving-average context.

Metric	Value
10Y total return	197.75%
1Y total return	93.42%
200-day SMA	80.64
3Y total return	358.27%
50-day SMA	74.08
50-day SMA vs 200-day SMA	50under200
5Y total return	212.41%
All Time High	124.9
All Time High Change	-33.8%
All Time High Date	2026-01-21
All Time Low	3.22
All Time Low Change	2,468.5%
All Time Low Date	1998-11-03
ATR	4.45
Beta	0.66
Beta1y	1.12
Beta2y	0.71
Ch YTD	1.91
High	83.55
High52	124.9
High52 Date	2026-01-21
High52ch	-33.8%
Low	79.6
Low52	40.3
Low52 Date	2025-05-09
Low52ch	105.16%
Ma50ch	11.6%
Price vs 200-day SMA	2.52%
RSI	59.57
RSI Monthly	60.34
RSI Weekly	50.84
Sharpe ratio	1.56x
Sortino ratio	2.9
Total Return	4.84%
Tr YTD	4.43
Tr15y	815.88%
Tr1m	25.65%
Tr1w	8.05%
Tr3m	-19.05%

Analyst estimates

Ratings, targets, revisions, and forward estimate fields.

Metric	Value
Operating Income	PKR 8.7B
Operating margin	8.57

Ownership and float

Institutional, insider, float, short-interest, and share-count fields.

Metric	Value
Float	195,440,976%
Net Borrowing	-104,037,000
Shares Insiders	0.04%
Shares Institutions	24.97%
Shares Out	350,000,000
Shares Qo Q	0%

Other indicators

Additional ticker metrics that do not fit the primary research groupings yet.

Metric	Value
Adjusted FCF	PKR 3.1B
Average Volume	478,615x
Bv Per Share	143.3
CAPEX	PKR -799.8M
Ch10y	45.05
Ch15y	256.1
Ch1m	22.62
Ch1w	8.05
Ch1y	83.73
Ch20y	90.68
Ch3m	-21
Ch3y	267.8
Ch5y	106.8
Ch6m	7.38
Change	1.09%
Change From Open	1.14
Close	81.79
Days Gap	-0.05
Dollar Volume	21,143,921.8
Earnings Date	2026-04-28
EBIT	PKR 8.7B
EBITDA	PKR 9B
EPS	PKR 14.72
F Score	3
FCF	PKR 3.1B
FCF EV Yield	18.43x
FCF Per Share	PKR 8.89
Financing CF	-1,469,359,000
Fiscal Year End	December
Founded	1,960
Graham Number	217.84228
Graham Upside	163.5
Income Tax	PKR 3.9B
Investing CF	2,340,112,000
Is Primary Listing	1
Last Earnings Date	2026-04-28
Last Report Date	2026-03-31
Last Split Date	2013-12-11
Last Split Type	Forward
Lynch Fair Value	PKR 221
Lynch Upside	167.7
Ma150	83.86
Ma150ch	-1.41%
Ma20	79.25
Ma20ch	4.32%
Net CF	4,781,958,000
Next Earnings Date	2026-08-28
Open	81.75
P FCF Ratio	9.3
P OCF Ratio	7.4
Payment Date	2026-05-20
Position In Range	77.97
Ppne	6,169,169,000
Price Date	2026-05-08
Price EBITDA	PKR 3.2
Ptbv Ratio	0.58
Relative Volume	0.53x
Revenue	100,989,694,000x
Tax By Revenue	3.91x
Tax Rate	42.44%
Tr20y	447.08%
Tr6m	10.04%
Volume	255,732

Fast facts

Decision checkpoints

A compact product layer over the same report payload.

Risk gate

n/a

Named kill scenarios are reviewed before any bullish rating can stand.

Moat score

n/a

Business quality stays separate from stock attractiveness.

Forward P/E

n/a

Valuation uses the full report model stack, not a single multiple.

Next action

Research pending

Final action steps are kept in the recommendation tab.

Income

PSX/AICL dividend yield, growth & safety

Yield, payout sustainability, and the multi-year growth streak.

Dividend yield

+4.8%

$4.00 annual per share

Payout ratio

+24.8%

Share of earnings returned as dividends. Below 60% is generally sustainable.

5Y dividend CAGR

+9.9%

1 consecutive years of growth

Total shareholder yield

+4.8%

Next ex-dividend date: 2026-04-20

Performance

PSX/AICL stock returns vs the market

Total return (incl. dividends) compared to S&P 500.

Ownership

Who owns PSX/AICL?

Insider, institutional, and short-interest positioning.

Institutional ownership

+25.0%

Share of float held by funds and institutions

Insider ownership

+0.0%

Stake held by company insiders. Higher generally signals alignment.

Short interest

n/a

Float sold short by bearish positioning

Y/Y dilution

n/a

Negative means the company is buying back shares.

Technical

PSX/AICL momentum and risk profile

RSI, moving-average stack, beta, and risk-adjusted return.

RSI (14)

59.6

Neutral momentum band

Price vs 200-day MA

+2.5%

50/200-day relationship not available

Beta (5Y)

0.66

Less volatile than the market

Sharpe ratio

1.56

Risk-adjusted return — higher is better; >1.0 is solid.

Questions

About PSX/AICL

Hub-level FAQ points readers to the deeper analysis pages.

What is the current psx/AICL stock rating?

psx/AICL is currently shown with the latest rating in the latest report. The hub links directly to the full analysis surface where the rating, fair-value bridge, risks, and scorecard are documented together.

Where can I read the full psx/AICL analysis?

The full report lives at /stocks/psx/AICL/analysis. The bare ticker page is a product hub that summarizes the latest read and sends readers into the relocated analysis tabs without making the analysis surface depend on the hub.

What fair-value range is used for psx/AICL?

The latest report frames psx/AICL around the latest fair-value range. Treat that range as the entry point, then check the valuation, sensitivity, and bear-case tabs before making an investment decision.

How often is the psx/AICL page updated?

The hub updates with the latest published stock report and live backend market data. The analysis pages remain reachable under /analysis, so a hub rollback does not remove the report reader.